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Everything You Should Know About Reimbursement Claims in Mediclaim

Team AckoJan 17, 2024

Health issues, can be traumatic not just for the patient, but also for the family. In such a situation, the financial support offered by a Mediclaim policy is valuable. Policyholders want the claim process to be as effortless as possible to ensure that they receive financial support at the earliest.

Insurers aim to keep their claim settlement process quick and easy; however, there are certain processes that need to be followed. Thus, one must be honest, transparent and patient while applying for a claim on a Mediclaim policy. Read ahead to educate yourself about 5 must-know aspects of reimbursement claims in case of a Mediclaim policy.




Reimbursement Claims in Mediclaim

1 – Understanding Reimbursement Claims

Reimbursement, as the dictionary mentions, is a compensation paid for money already spent. With respect to a Mediclaim policy, reimbursement claims mean you pay the hospital bills first and get them compensated from the insurance company at a later stage.

2 – Initiative is Yours

Unlike the cashless reimbursement process where the insurance company settles the bill directly with the hospital, in a reimbursement claim, you have to make efforts to get your claim money from an insurance company. You have to take the initiative in case of a reimbursement claim for a Mediclaim policy by arranging documents, making the application, following up, etc.

3 – Arranging Necessary Documentation

Meticulous arrangement of hospital bills and other supporting documents is a key aspect in the reimbursement claim process of a Mediclaim policy. You might have to deal with a Third Party Administrator (TPA) in case of submitting documents. This step varies as per the insurance company’s claim settlement policy. You must keep photocopies of documents as you might be asked to submit the original ones.

4 – Intense Scrutiny

Every reimbursement claim application is scrutinized thoroughly by the TPA or the insurance company. This step is important for them as it is not a cashless claim and they are not associated with the network hospital directly. Hence, there is that extra check that needs to be performed to ensure the authenticity of the claim raised.

5 – Time Consuming Process

A reimbursement claim takes more time than a cashless claim because of the verification process mentioned above. Thus, one needs to be patient and cooperate with the TPA/ insurance company with regards to the precise documentation or any other query that they might have.

Features and Benefits of a Reimbursement Claim


Medical Expense Coverage: 

Mediclaim covers a wide range of medical expenses, including hospitalization, surgery, diagnostic tests, doctor's consultations, and prescription medications. It ensures you receive necessary medical care without worrying about the financial burden.

Documented Claims: 

To initiate a reimbursement claim, you need to maintain proper records of all medical expenses incurred during treatment. This includes retaining medical bills, invoices, prescriptions, and medical reports. These documents serve as evidence when filing a claim.

Claim Approval Process: 

The insurance company reviews the submitted documents and verifies the authenticity of the medical expenses. This process ensures that only valid claims are approved, preventing fraud and maintaining fairness in the system.


Financial Security: 

Mediclaim reimbursement provides a safety net for your finances in times of illness or injury. It prevents you from depleting your savings to cover expensive medical bills, allowing you to focus on recovery.

Choice of Healthcare Providers: 

With Mediclaim, you have the freedom to choose your preferred doctors, hospitals, and healthcare facilities. This flexibility enables you to receive medical care from trusted professionals and facilities that meet your healthcare needs and preferences.

Tax Benefits: 

Mediclaim premiums paid towards health insurance policies are often eligible for tax deductions under Section 80D of the Income Tax Act in India. This can result in lower tax liabilities, saving you money while securing your health.

Peace of Mind: 

Knowing that you have Mediclaim coverage provides peace of mind. You can face medical emergencies with confidence, knowing that you have financial support in place. This peace of mind also extends to your family, as they are also covered under most Mediclaim policies.

Preventive Care: 

Many health insurance policies include coverage for preventive healthcare services, such as health check-ups and vaccinations. This encourages policyholders to prioritize their well-being and catch potential health issues early.

Mediclaim reimbursement offers comprehensive coverage for medical expenses, financial security, choice of healthcare providers, tax benefits, and peace of mind. It's a vital tool to safeguard your health and finances, ensuring that you receive the best possible medical care when you need it most.

Factors You Should Consider Before Opting for Reimbursement Claim

Understand Your Coverage:

Carefully go through your insurance policy or company guidelines. Understand what kinds of expenses are covered. Ensure that your expense matches the categories mentioned. Knowing your coverage is like having a roadmap for your claim journey.

Maintain Records:

Be diligent about maintaining records. Safeguard all your receipts, invoices, and bills. These documents are essential when it comes to proving your expenses. They come in handy in any kind of emergency.

Be mindful of the deadline:

Pay attention to submission deadlines. Missing them could mean missing out on your reimbursement. Keep a calendar or set reminders to ensure you don't forget. Time can be your best friend or your worst enemy in this process.

Count the Costs:

Calculate the total cost of your expenses. Ensure that it falls within the maximum limit set by your policy or company. Going over the limit might mean having to cover the excess yourself. It's simply sticking to a budget.

Exclusions Exist:

Check for exclusions in your policy. Some expenses, like elective cosmetic treatments, may not be eligible for reimbursement. Understanding these exclusions helps manage expectations.

Claim Process:

Understand the journey your claim will take. Most likely, it involves submitting your documents, having them reviewed, and waiting for approval. It lays down a step-by-step process to get through the overall process.

Wait Periods:

Some policies have waiting periods. During this time, certain expenses may not be eligible for reimbursement. Be patient and plan accordingly. 

Tax Check:

Know your taxes well. Know how your reimbursement might affect your taxes. Some reimbursements are taxable, while others are not. Understanding the tax implications can help you make informed financial decisions.

Priority Check:

Consider the urgency of your expense. Some require quick reimbursement, like medical bills, while others can wait, like business expenses. Prioritizing helps you manage your finances efficiently.


Explore other options available to you. Your company might offer a credit card for business expenses or a direct billing system for medical costs. These alternatives can simplify the reimbursement process.

Policy Updates:

Stay informed and up to date about any changes in your policy. Policies can evolve over time. Keeping up with updates ensures you're aware of any new guidelines or benefits.

Manage Your Finances:

Think about the financial impact of your expenses. Make sure you have the means to cover it temporarily until you receive your reimbursement. Managing your finances wisely, ensuring you're financially prepared.

Approaching your reimbursement claim with sensitivity and attention to detail can make the process smoother and more efficient, essentially more successful. It helps take care of your financial well-being, one step at a time.

When do I Need to Inform the Insurer about Reimbursement Claims?

Before Seeking Medical Treatment:

Essentially, you should inform your insurer before undergoing planned medical treatments or hospitalizations. This is especially important for non-emergency procedures like elective surgeries. Contact your insurer to understand the coverage details, network hospitals, and whether you need pre-authorization.

Emergency Situations:

In emergency situations where immediate medical attention is required, your first priority should be to seek necessary treatment. Once the emergency is under control, notify your insurer as soon as possible. Most insurance policies have provisions for emergency medical care, and timely notification is essential.

Pre-Authorization Requirements:

Some insurance policies require pre-authorization for specific treatments, surgeries, or hospitalizations. Pre-authorization is essentially getting approval from your insurer before receiving care. Check your policy documents or contact your insurer to determine if any treatments require pre-authorization. Failure to obtain pre-authorization for procedures that demand it could lead to claim denials.

Planned Hospitalizations:

If you have a planned hospitalization or surgery scheduled, it's advisable to inform your insurer well in advance. They can guide you through the process, help you choose a network hospital (if applicable), assist with pre-authorization, and provide clarity on what expenses will be covered.

Within the Policy Notification Timeline:

Be aware of your insurance policy's notification timeline. Policies often specify a specific period within which you must inform the insurer about any claims or treatments. This timeframe can vary, ranging from a few days to a few months. Failing to notify within this stipulated period might result in claim rejection. Review your policy documents to understand this requirement.

Ongoing Treatments:

If your treatment involves multiple visits, consultations, or a series of medical procedures, it's essential to keep your insurer informed of the ongoing progress. Regularly update them on the treatments you're receiving to ensure that all eligible expenses are covered.

Following Claim Submission:

Once you've submitted your reimbursement claim, stay engaged with your insurer throughout the processing phase. Be prepared to provide any additional information or documentation if requested. Promptly respond to any inquiries or requests for clarification.

Change in Health Status:

If there's a significant change in your health status during the policy period, such as a new diagnosis or worsening condition, it's crucial to notify your insurer. Changes in your health could impact your coverage or eligibility for certain benefits.

Prescription Medications:

If your treatment includes prescription medications, confirm with your insurer whether they are covered under your policy. Some policies may have specific formularies or restrictions on certain drugs. Knowing this in advance can help you plan your treatment and expenses effectively.

Consult Your Policy Document:

Always refer to your insurance policy document for specific notification requirements. Each insurance policy has its own terms and conditions, so it's vital to understand what your policy entails. Your policy document is a valuable resource for understanding your coverage.

Keep Records of Communication:

Maintain thorough records of all communication with your insurer. This includes emails, phone call details, and written correspondence. These records can serve as evidence in case of disputes or clarifications.

Seek Guidance:

If you're unsure about when or how to inform your insurer, or if you have any doubts or questions regarding the claims process, don't hesitate to reach out to your insurance company's customer service. They are there to provide guidance, address your concerns, and ensure a smooth claims experience.

Points to bear in mind while filing a claim

  • Understand Your Policy: Begin by thoroughly understanding your health insurance policy. Familiarize yourself with the coverage, limitations, and exclusions. Knowing what your policy includes and excludes is crucial when filing a claim.

  • Notify the Insurer: Inform your insurance company about your intent to file a claim. Timely notification is essential, and some policies may have specific notification deadlines. Contact your insurer as soon as you anticipate a claim.

  • In Emergencies: In emergencies, prioritize your health and seek immediate medical attention. Notify your insurer as soon as you can, providing details of the emergency and treatment received.

  • Pre-Authorization: Some policies require pre-authorization for certain treatments, surgeries, or hospitalizations. Check your policy to identify such requirements and follow the pre-authorization process if needed.

  • Maintain Records: Maintain detailed records of all medical expenses, including bills, prescriptions, receipts, and medical reports. Organize these documents chronologically to make the claims process smoother.

  • Complete Claim Form: Obtain and accurately fill out the insurance claim form provided by your insurer. Double-check that all information is correct, and don't leave any sections incomplete.

  • Supporting Documents: Ensure all required supporting documents are attached to the claim form. These may include medical bills, invoices, prescriptions, diagnostic reports, and any other relevant receipts.

  • Review Before Submission: Before submitting your claim, review the claim form and attached documents carefully. Confirm that everything is accurate and complete. Make copies of all documents for your records.

  • Be Mindful of Deadlines: Be aware of claim submission deadlines specified in your policy. Missing these deadlines can lead to claim denials. Submit your claim well within the stipulated timeframe.

  • Communication: Stay in touch with your insurer during the claims process. Be prepared to provide additional information or clarification if requested.

  • Keep Copies: Retain copies of all communication with your insurer, including emails, letters, and phone call records. These records can be valuable in case of disputes or clarifications.

  • Wait Period: Understand that the claims process may take time. Be patient while your insurer evaluates the claim. Avoid putting unnecessary pressure on the claims department.

  • Seek Clarification: If you have questions or are unclear about any aspect of your claim, don't hesitate to reach out to your insurer's customer service. They can provide guidance and address your concerns.

  • Denied Claims: If your claim is denied, carefully review the denial letter provided by your insurer. Understand the reasons for the denial and consider appealing if you believe the denial is unjust.

  • Appeals Process: If you decide to appeal a denied claim, follow your insurer's appeals process meticulously. Provide any additional information or documentation requested during the appeal.

  • Keep Records: Maintain organized records of all claim-related documents, including copies of the claim form, medical bills, approval or denial letters, and communication records.

  • Policy Renewal: Understand that filing claims may impact your policy's renewal terms, including premiums. Consider how this may affect your coverage in the future.

  • Seek Professional Help: If you encounter complex issues or face challenges during the claims process, consider seeking assistance from a healthcare advocate or legal counsel who specializes in insurance matters.

How to deal with a health insurance claim rejection

Understand the Denial Reason:

Carefully review the denial letter from your insurer. Understand the specific reason for the claim rejection. It could be due to documentation errors, policy exclusions, or other factors.

Don't Panic:

Receiving a claim denial can be stressful, but it's essential to stay calm. Remember that, claim denials can often be resolved through proper communication and documentation.

Contact Your Insurer:

Reach out to your insurance company's customer service as soon as possible. Ask for clarification on the denial reason and request detailed information about the appeals process.

Review Your Policy:

Thoroughly review your insurance policy to confirm that the denied treatment or service is indeed covered. Pay attention to any policy exclusions or limitations.

Gather Documentation:

Collect all relevant documentation related to the denied claim. This includes medical bills, invoices, prescriptions, diagnostic reports, and any other supporting documents.

Correct Errors:

If the denial is due to documentation errors or missing information, correct these issues promptly. Ensure that your claim form is accurately filled out and that all necessary documents are attached.

Appeal the Decision:

Most insurers provide an appeals process for denied claims. Follow this process meticulously. Submit a formal written appeal that includes a clear explanation of why you believe the claim should be approved.

Seek Medical Necessity Proof:

If your claim was denied because the insurer deemed the treatment or service unnecessary, consult your healthcare provider. Request a letter or medical records supporting the medical necessity of the procedure.

Maintain Records:

Keep records of all communication with your insurer, including emails, letters, and phone calls. Document the names and titles of the individuals you speak with.

Escalate If Necessary:

If your appeal is denied, you may have the option to escalate the matter with the insurance company. Ask about this process and consider pursuing it.

Regulatory Authorities:

Depending on your location, you may have the option to escalate the issue to a regulatory authority that oversees insurance companies. Research whether such an authority exists in your area.

Seek Professional Assistance:

If you encounter complex issues or face repeated claim denials, consider seeking help from a healthcare advocate or legal counsel experienced in insurance matters.

Be Persistent:

Dealing with claim denials can be a lengthy process. Be persistent in your efforts to resolve the issue. Continue to follow up with your insurer until a resolution is reached.

Learn for the Future:

Use the experience as an opportunity to better understand your insurance policy and its terms. Make necessary adjustments to prevent similar issues in the future.

Be Prepared for Out-of-Pocket Costs:

While appealing a denial, be prepared to cover the expenses out of pocket if necessary. If your appeal is successful, you may be reimbursed later.

Consider Policy Renewal:

If you face repeated claim denials or unfavorable policy terms, consider exploring other insurance options when your policy is up for renewal.

What if You Do Not Get a Reply from your Insurance Company?

  • Follow-Up: Start by contacting the insurance company again. Send a polite reminder, preferably in writing (always better for evidence) reiterating your concern and request for a response. Include any relevant reference numbers or details from your previous communication.

  • Document Everything: Keep records of all your interactions with the insurer. This includes dates, times, names of representatives you spoke to, and a summary of the conversations. These records can be helpful if you need to escalate the matter.

  • Escalate to a Supervisor: If you're not getting a response from the customer service team, approach a supervisor or manager. Explain your situation and express your dissatisfaction with the lack of communication.

  • Review Your Policy: Revisit your insurance policy documents to ensure you're following the correct procedures and timelines for filing complaints or appeals. Policies often outline how to address issues with the insurer.

  • Regulatory Authorities: Research whether there is a regulatory authority or ombudsman in your area that oversees insurance companies. They may be able to assist in resolving disputes or unresponsiveness from insurers.

  • Seek Legal Counsel: If all else fails, consider consulting with legal counsel experienced in insurance matters. They can guide you on potential legal actions or remedies available to you.

  • Consider a New Insurer: If your experience with the current insurer remains unsatisfactory, you may want to explore switching to a different insurance company when your policy is up for renewal.

How to Track the Status of Your Claim?

Check Online: 

Many insurance companies offer online portals or mobile apps where you can log in to check your claim status. Register for an account if you haven't already, and navigate to the claims section.

Contact Customer Service: 

Reach out to your insurance company's customer service department. Have your policy and claim details ready. The representative can provide you with the most up-to-date information on your claim's status.

Use Claim Reference Number: 

Every claim you file should generate a unique claim reference number. This number is essential for tracking. Provide it whenever you inquire about your claim.

Review Email Updates: 

If you've provided your email address during the claim filing process, your insurer may send you email updates on the claim's status. Check your email inbox, including spam folders.

SMS Notifications: 

Some insurers offer SMS notifications for claim updates. If you opted for this service, keep an eye on your text messages for updates.

Paper Correspondence: 

Check any physical mail you receive from your insurance company. They may send letters or documents regarding your claim's status.

Claim Tracker Tools: 

Some insurers offer claim tracking tools on their websites. These tools allow you to input your claim reference number and get real-time updates.

Mobile Apps: 

If your insurer has a mobile app, it may include a feature for tracking your claim. Download the app and use this feature.

Set Expectations: 

Understand that claim processing times can vary depending on the complexity of the claim and the insurer's workload. Be patient but persistent in tracking your claim.

Document Communication: 

Keep records of all your interactions with the insurer, including dates, times, names of representatives, and summaries of discussions. This documentation can be valuable if issues arise.

Escalate If Necessary: 

If you encounter unreasonable delays or issues with tracking, consider escalating the matter to a supervisor or manager within the insurer's claims department.

How to claim reimbursement for pre and post-hospitalization expenses?

  • Document Gathering: Collect all original bills, receipts, and medical reports related to your treatment, both before and after hospitalization. Ensure they are legible and well-organized.

  • Insurance Policy Review: Thoroughly review your health insurance policy to understand the coverage, waiting periods, and exclusions related to pre and post-hospitalization expenses.

  • Notify the Insurer: Inform your insurance company about the upcoming hospitalization as soon as possible. This will help in streamlining the reimbursement process.

  • Complete the Claim Form: Obtain and fill out the claim form provided by your insurance company accurately. Double-check all information before submission.

  • Attach Documents: Attach all relevant documents to the claim form. Include medical bills, prescriptions, diagnostic reports, and invoices for medicines or treatments both before and after hospitalization.

  • Submission: Submit the completed claim form along with the supporting documents to the insurance company within the stipulated time frame mentioned in your policy.

  • Follow-Up: Keep a record of your claim submission and maintain open communication with the insurance company. Inquire about the status of your claim periodically.

  • Verification and Approval: The insurance company will assess your claim based on the provided documents and policy terms. If everything is in order, they will approve the claim.

  • Reimbursement: Once your claim is approved, you will receive reimbursement for eligible pre and post-hospitalization expenses as per your policy terms.

  • Review and Record: Carefully review the reimbursement amount and ensure it aligns with your submitted expenses. Keep copies of all documents and correspondence for future reference.

Claiming Health Insurance from Multiple Insurers

Claiming health insurance from multiple insurers can become a complex process:

  • Inform All Insurers: Inform all your health insurance providers about your medical treatment or hospitalization. Each insurer needs to be aware of the situation, as they may share or coordinate the costs.

  • Understand Each Policy: Carefully review the terms and conditions of each insurance policy. Be aware of the coverage, deductibles, co-payments, and any policy-specific requirements for multiple claims.

  • Request Claim Forms: Request claim forms from each insurer. You will need separate forms for each policy you're claiming from.

  • Complete Claim Forms: Fill out the claim forms accurately. Include the specific details about your medical condition, treatment, and the healthcare provider's information for each insurer.

  • Gather and Organize Documents: Collect all relevant documents for each insurance claim, such as medical bills, prescriptions, diagnostic reports, and hospital invoices. Keep these documents separate and organized for each insurer.

  • Attach Supporting Documents: Attach the necessary supporting documents to the respective claim forms. Make sure you match the documents with the correct insurer's claim.

  • Submit Claims: Submit the completed claim forms along with the supporting documents to the respective insurance companies within their specified time frames.

  • Follow Up Individually: Maintain separate communication with each insurer to monitor the progress of your claims. Inquire if they require additional information and keep records of all interactions.

  • Approval and Settlement: Each insurer will review their respective claim. If they approve it, they will proceed with reimbursement or direct payment according to their policy terms.

  • Review Reimbursements: After approval, carefully review the reimbursements from each insurer. Ensure they cover the expenses as per their policy terms. Address any discrepancies promptly.

  • Document Everything: Keep copies of all documents, including claim forms, supporting documents, and correspondence, separately for each insurer. This documentation is essential for reference and potential audits.

Cashless claim process for planned treatment:

  • Hospital Selection: Begin by selecting a hospital that is within your insurer's network and offers the medical services required for your planned treatment. Network hospitals have tie-ups with your insurer, simplifying the cashless process.

  • Pre-Authorization Request: Contact your insurance provider well in advance of your planned treatment, following the specific timeline mentioned in your policy. Request pre-authorization for the treatment by providing detailed medical information. This typically includes the diagnosis, treatment plan, and estimated costs.

  • Authorization Letter: After reviewing your request, the insurer will issue an authorization letter if the treatment is approved. This letter outlines the coverage and limits for your treatment.

  • Hospital Admission: On the day of your planned treatment, carry the authorization letter and your health insurance card with you to the hospital. Present these documents at the hospital's admission desk. The hospital will verify the details and initiate the cashless process.

  • Treatment: Under the cashless arrangement, you can proceed with the planned medical treatment as per the authorization. Your insurer directly settles the medical bills with the hospital, reducing or eliminating your out-of-pocket expenses.

  • Billing and Documentation: Post-treatment, the hospital will compile all bills, medical records, and treatment documents. Ensure that every expense is accurately documented for submission to the insurer.

  • Claim Settlement: The hospital submits all relevant documents to your insurance provider for review and settlement. The insurer assesses the submitted bills, makes any necessary adjustments, and settles the claim directly with the hospital.

  • Patient Responsibility: In some cases, there may be uncovered expenses, deductibles, or co-payments as per your policy. You are responsible for settling these directly with the hospital.

  • Review and Clarify: Review the claim settlement details provided by your insurer. If you have any questions or concerns regarding the coverage or expenses, contact your insurer for clarification.

How to the cashless claim process for emergency medical treatment:

  • Immediate Hospital Admission: In cases of emergencies, your priority is to seek immediate medical attention. Go directly to the nearest hospital or healthcare facility that can provide the necessary care without delay. The critical factor in emergencies is your health and well-being.

  • Health Insurance Card: Always carry your health insurance card with you. When you arrive at the hospital, present your insurance card during the admission process. This card confirms your insurance coverage with the hospital.

  • Emergency Treatment: Once admitted, medical professionals will promptly assess your condition and initiate the necessary emergency treatment. Their primary focus is on stabilizing your health and addressing the emergency situation.

  • Inform Your Insurance Provider: As soon as possible, notify your insurance provider about the emergency hospitalization. You can contact them by phone or online, using the contact information provided in your insurance policy documents.

  • Provide Required Details: When informing your insurer, share essential details such as your policy number, the nature and severity of your condition, and the name and location of the hospital where you're receiving treatment. This information helps the insurer identify your case swiftly.

  • Pre-Authorization (if required): Depending on the terms of your policy, the insurer may require pre-authorization for emergency treatment. In many cases, hospital staff will initiate this process on your behalf. If not, inquire about it with the hospital's administrative staff to ensure that it is addressed promptly.

  • Cashless Facility: Assuming pre-authorization is successful, the hospital will proceed with your treatment under the cashless facility. This means that the hospital will bill your insurance company directly for the medical services you receive, relieving you of the immediate financial burden.

  • Review and Verify: Your insurer will review the bills and medical records submitted by the hospital to ensure accuracy and compliance with your insurance policy terms. This verification process is essential to prevent fraud and ensure that the claimed expenses are legitimate.

  • Claim Settlement: After completing the verification process, the insurer will settle the claim directly with the hospital. This means that the hospital will receive payment for your treatment costs from the insurance company, making it a seamless and efficient process during a stressful time.

  • Patient Responsibility: While the cashless facility covers most expenses, you may still have certain financial responsibilities depending on your policy, such as co-payments, deductibles, or non-covered expenses. These will typically be resolved between you and the hospital after the claim settlement.

  • Review Documentation: Finally, carefully review the claim settlement details provided by your insurer. If you have any questions or concerns about the coverage or settlement, don't hesitate to seek clarification from the insurance company. It's essential to ensure that you understand the financial aspects of your emergency treatment fully.

Points to remember when dealing with health insurance claims:

  • Policy Understanding: Take the time and completely understand your health insurance policy. Pay attention to details such as the coverage limits, deductibles, co-payments, exclusions, and waiting periods. Understanding these aspects will help you make informed decisions and avoid surprises during claims.

  • Timely Notifications: Notify your insurance provider in a timely manner when planning medical treatments, surgeries, or in emergency situations. Many policies require prior notification, especially for planned hospitalizations or high-cost treatments. Always check your policy for notification requirements.

  • Claim Form Precision: When filling out claim forms, be mindful. Ensure accuracy and legibility to prevent errors or omissions. Review the completed form carefully before submission to avoid delays in claim processing.

  • Documentation: Keep records of all medical-related documents. This includes medical bills, prescriptions, diagnostic reports, and hospital invoices. Organize these documents chronologically, as they serve as crucial evidence for your claim.

  • Network Providers: Whenever possible, choose healthcare providers and facilities within your insurer's network. Network providers have negotiated rates with your insurer, reducing potential disputes over coverage and facilitating a smoother cashless claim process.

  • Appeal When Necessary: If your claim is denied and you believe it's valid, don't hesitate to appeal. Understand the denial reason, provide any requested documents promptly, and communicate clearly with your insurer. Appeals can lead to successful claim resolutions.

  • Review Settlement Details: Carefully review the claim settlement details provided by your insurer. Ensure that the settlement aligns with the expenses you claimed and the terms of your policy. Verify that all covered items have been appropriately accounted for.

  • Patient Responsibility: Understand your financial responsibilities under your policy, including co-payments, deductibles, and any non-covered expenses. Be prepared to settle these directly with the healthcare facility or provider as needed.

  • Timely Submissions: Adhere to the submission deadlines mentioned in your policy. Late submissions can result in claim rejections, so be mindful of these timelines to avoid any issues.

  • Open Communication: Maintain clear and open communication with your insurer throughout the claims process. Regularly inquire about the status of your claim and provide any requested information promptly to prevent delays.

  • Policy Updates: Periodically review your insurance policy, especially when there are changes in your healthcare needs or life circumstances. Ensure your policy adequately addresses your current situation to avoid any gaps in coverage.

Choose a Credible Insurer

You must be judicious in choosing a credible insurer. After all, a smooth claim settlement process is what a policyholder desires while paying the insurance premium. If you have had a bad claim settlement experience with a particular insurance company, you can switch your Mediclaim insurer while renewing the policy. Have a look at the company’s Claim Settlement Ratio and online reviews to understand if they can be relied upon or not. If it is a new company, you can research about the investors and get more information on their website before purchasing the policy.

It is also suggested to compare policies based on price and coverage before purchasing. A Mediclaim premium calculator can come in handy in such a scenario. Online insurers and web aggregators have a Mediclaim premium calculator on their website that helps in understanding the approximate premium charged for the coverage desired.

It is like a simple calculator where you feed-in data and it displays the premium charged. You can try different combinations of the coverage desired to find out the premium charged for it and then make an informed decision. Nowadays, the calculator is a part of the online purchase journey itself; making the process more efficient.

Frequently Asked Questions

Below are some of the frequently asked questions on Reimbursement Claims in Mediclaim


What is a reimbursement claim in health insurance?

A reimbursement claim in health insurance is when you pay for medical expenses out of your pocket and then request your insurance company to repay you for those expenses.

What documents do I need to file a reimbursement claim?

You'll essentially need documents like medical bills, invoices, prescriptions, and diagnostic reports as proof of your expenses. These documents help the insurance company verify your claim.

How long does it take to get reimbursed?

The processing time varies but generally takes a few weeks. It depends on the insurance company's review process and the completeness of your documentation.

What expenses can be reimbursed?

Eligible expenses include hospitalization, doctor's fees, medicines, and other medical treatments covered by your insurance policy. Always refer to your policy document for a detailed list.

Can I choose any healthcare provider for treatment in a reimbursement claim?

Yes, you have the flexibility to choose any healthcare provider you prefer. You're not limited to network hospitals or doctors.

Is there a waiting period for reimbursement claims?

Some health insurance policies have a waiting period for specific treatments or pre-existing conditions. During this period, those expenses may not be eligible for reimbursement.

Are all reimbursement claims tax-free?

Not necessarily. Some reimbursement claims may be subject to taxation. It depends on the nature of the expense and tax laws in your country.

Can I submit a reimbursement claim for expenses not covered by my policy?

Generally, no. Reimbursement claims are typically for expenses that fall within the scope of your policy. Expenses that are explicitly excluded may not be reimbursed.

How do I check the status of my reimbursement claim?

You can usually check the status through the insurance company's customer portal, or website, or by contacting their customer service.

What if my reimbursement claim is denied?

If your claim is denied, review the denial letter from the insurance company to understand the reason. You may have the option to appeal the decision or seek clarification.

Can I claim reimbursement for expenses incurred abroad?

Some health insurance policies offer international coverage, but it's essential to check your policy's terms and conditions regarding overseas expenses.

Is it possible to expedite the reimbursement process in emergencies?

In emergencies, some insurance companies may offer expedited processing. Contact your insurance provider for guidance on handling urgent situations.

Explore More:

Disclaimer: *Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wordings for more details.
**The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.


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